Call reports 2003
UNITED PRAIRIE BANK - OWATONNA — 2003
What UNITED PRAIRIE BANK - OWATONNA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 79,937,000 | 86,050,000 | 87,853,000 | 90,500,000 |
| Total loans | 56,832,000 | 60,179,000 | 63,334,000 | 60,566,000 |
| Allowance for loan losses | 1,052,000 | 949,000 | 972,000 | 996,000 |
| Securities available for sale | 6,861,000 | 7,247,000 | 8,630,000 | 10,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,495,000 | 72,636,000 | 74,487,000 | 76,721,000 |
| Interest-bearing deposits | 61,766,000 | 65,335,000 | 66,776,000 | 68,258,000 |
| Noninterest-bearing deposits | 6,729,000 | 7,301,000 | 7,711,000 | 8,464,000 |
| Equity capital | 10,908,000 | 11,125,000 | 11,263,000 | 11,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,176,000 | 2,355,000 | 3,670,000 | 4,874,000 |
| Interest expense | 307,000 | 667,000 | 1,033,000 | 1,390,000 |
| Net interest income | 869,000 | 1,688,000 | 2,637,000 | 3,484,000 |
| Noninterest income | 119,000 | 266,000 | 392,000 | 531,000 |
| Noninterest expense | 648,000 | 1,281,000 | 1,992,000 | 2,649,000 |
| Provision for loan losses | 15,000 | 30,000 | 53,000 | 75,000 |
| Pretax income | 325,000 | 643,000 | 984,000 | 1,291,000 |
| Income tax | 131,000 | 253,000 | 385,000 | 500,000 |
| Net income | 194,000 | 390,000 | 599,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,971,000 | 6,167,000 | 6,376,000 | 6,567,000 |
| Total capital | 6,764,000 | 6,989,000 | 7,234,000 | 7,406,000 |
| Risk-weighted assets | 63,191,000 | 65,622,000 | 68,498,000 | 66,986,000 |